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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $27,319 | $29,736-8.1% | $56,033-51.2% | $80,935-66.2% |
| Participation rate | 27.4% | 41.7%-14.3pp | 52.5%-25.1pp | 67.7%-40.3pp |
| Annual return | 12.15% | 35.28%-23.1pp | 1711.38%-1699.2pp | 35.66%-23.5pp |
| Employer contribution / active EE | $498 | $671-25.8% | $1,041-52.1% | $2,757-81.9% |
| Participant deferral / active EE | $1,408 | $1,228+14.6% | $1,954-27.9% | $4,299-67.2% |
| Admin fee / account holder | $3,135 | $2,434+28.8% | $2,827+10.9% | $6,924-54.7% |